💥Ripple controls less than half of XRP’s supply: What does it mean?💥

TheDinarian

News • Business • Investing & Finance

October 28, 2022

The crypto-verse started out as an entity free from the shackles of centralized systems. However, with time decentralization began taking a backseat in the ecosystem. Prominent fintech firm Ripple and cryptocurrency XRP was time and again called out for being increasingly centralized. Now, however, things seemed to be changing with Ripple reducing its XRP holdings.

According to Ripple’s Q3 2022 markets report, the firm reduced its holdings below 50 percent of the total supply for the very first time. This is reportedly considered a “huge milestone” for the firm. Brad Garlinghouse, the CEO of Ripple took to Twitter and said,

Elaborating on how critics have pointed out that Ripple’s XRP ownership was an indicator that the XRP Ledger was governed by the firm, the report read,

“This is not true. The XRP Ledger (XRPL) uses Federated Byzantine Consensus to validate transactions, add new features, and secure the network, which means that each validator node gets one vote regardless of how much XRP they own. Ripple currently operates 4 out of 130+ validator nodes on the XRPL.”

As mentioned earlier, Ripple has been time and again called out for controlling the supply of the asset. Several even suggested that XRP shouldn’t be considered a cryptocurrency due to its increased level of centralization. Therefore, Ripple’s latest move is considered to be highly pertinent.

It should also be noted how Ripple’s targeted use case for XRP was settling international payments. The major reason the company held onto so much XRP was that this necessitated a substantial outlay of funds. The firm’s On Demand Liquidity [ODL] wing has clearly been thriving.

Despite the drop in its net sales, Ripple expanded its ODL services into several regions over the last couple of months.

Here’s how XRP fared in Q3 of 2022

As seen in the below image, XRP Q3 turned out to be quite favorable for the altcoin in terms of its price. Mid-September, the altcoin recorded a prominent uptrend that took the asset from a low of $0.32 all the way to a high of $0.50.

At press time, however, XRP was trading for $0.460317 with a 2.5 percent daily drop. The altcoin seems to have started the new quarter on a rather mellow note.

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XRP Resurrected: Ripple’s Legal Victory and Global Banking Bet Set the Stage for a Massive Institutional Wave

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For years, XRP was written off by much of crypto Twitter as a “boomer coin”—a relic from the pre-DeFi era, stuck in a brutal SEC lawsuit and overshadowed by flashier narratives. But while the industry obsessed over yield farming and memecoins, Ripple Labs quietly kept building real financial infrastructure—and it’s finally starting to matter.

With partial legal clarity, growing institutional traction, and Ripple’s aggressive push into tokenized real-world assets (RWAs), XRP is back in the conversation. And whether you like it or not, it’s still one of the only cryptoassets being actively integrated into global banking rails.

Let’s unpack the new XRP narrative and why 2025 might be the year this OG coin makes its institutional comeback.

⚖ SEC Case: Ripple’s Win Was Bigger Than You Think

In July 2023, Ripple scored a major victory in its long-running battle with the U.S. SEC:

The court ruled that XRP is not a security when sold on exchanges, though some institutional sales were considered securities.
This gave XRP a form of legal clarity that few other tokens have in the U.S. today.
Major exchanges like Coinbase and Kraken relisted XRP almost immediately.

The outcome doesn’t just clear the path for XRP—it sets a precedent for other token projects, and positions Ripple as a battle-hardened compliance veteran in an increasingly regulated market.

🌎 Ripple’s Real-World Strategy: Institutional Settlement Infrastructure

While DeFi projects fight over TVL, Ripple is targeting the SWIFT system itself. Its flagship products:

RippleNet: A network for real-time cross-border payments using XRP as a bridge asset.
ODL (On-Demand Liquidity): Uses XRP to eliminate the need for pre-funded nostro/vostro accounts in international settlements.

Ripple is already partnered with:

Tranglo (Asia-Pacific remittances)
Santander
Bank of America (Ripple has hinted at deep ties post-lawsuit)
Hundreds of banks and financial institutions across 50+ countries

The key point? This is real utility, not vaporware. XRP isn’t meant for retail yield farmers—it’s plumbing for global money movement.

♻️ XRP Ledger (XRPL): A Sleeping Giant for Tokenization

Beyond payments, Ripple is now aggressively expanding into tokenized assets—a multitrillion-dollar opportunity:

XRP Ledger supports native token issuance—no smart contracts needed.
Ripple is launching its own RWA platform, letting institutions issue tokenized real estate, bonds, CBDCs, and more.
XRPL is adding Ethereum Virtual Machine (EVM) compatibility, opening the door to DeFi and NFTs.

If tokenized treasuries and private markets are the future of crypto-scale finance, XRPL is shaping up to be one of the quiet contenders to host it all.

💰 XRP Tokenomics: Fast, Efficient, Scarce

What makes XRP compelling as a base-layer asset?

Transactions settle in 3–5 seconds, with throughput of 1,500+ TPS.
Minuscule fees—fractions of a cent.
XRP is deflationary: every transaction destroys a tiny amount of XRP.
Fixed supply: 100 billion total, no inflation.

Unlike Ethereum, which struggles with fee volatility, XRP was engineered for stability and speed. For enterprise use, that still matters.

📉 What’s Holding XRP Back?

Let’s be blunt—there are legitimate criticisms:

Perception as centralized: Ripple holds a large share of XRP, and critics argue the network isn’t sufficiently decentralized.
Retail fatigue: Years of stagnation and lawsuit baggage have drained community enthusiasm.
Limited DeFi ecosystem: Compared to Ethereum, Solana, or Cosmos, XRPL has been slow to attract builders—though this is rapidly changing in 2025.

But those very criticisms are why XRP might have asymmetric upside now—the market isn’t pricing in the institutional pivot that’s already in motion.

🧭 Final Take: XRP Is a War-Torn Veteran Ready to Reenter the Arena

In a market obsessed with memes and modular rollups, XRP represents the boring, functional layer crypto has largely ignored—but global institutions still want.

With legal clarity, a real payments network, a growing role in tokenized finance, and battle-tested infrastructure, Ripple is turning XRP into the compliance-grade utility token the TradFi world actually trusts.

Prediction: By the end of 2025, XRP will be one of the top 3 assets used in real-world tokenization, banking settlement, and cross-border finance—regardless of its popularity on crypto Twitter.

While the rest of crypto builds toys, Ripple is building rails. XRP may not moon overnight, but it’s positioned to outlast almost everyone else.

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May 19, 2025

Ripple President: Bank of America Is Going “All In” on XRP – Is This the Start of a Global Shift?

Ripple’s president has made a bold statement: Bank of America is going “all in” on XRP. This confirmation came from a video posted by NCashOfficial with 207K YouTube subscribers and adds serious momentum to what’s already shaping up to be a major trend, big banks diving headfirst into blockchain and crypto infrastructure. And it’s not just Bank of America. Other financial giants are already deep in the space, signaling that a major shift could be underway.

Ripple and Bank of America have been connected for years. The bank was one of Ripple’s early partners, originally testing messaging solutions tied to payment infrastructure. But according to Ripple President Monica Long, things are accelerating. She shared that after key policy rollbacks, like SAB 121 being pulled back, Bank of America’s tone changed completely. Their leadership is now saying they’re “all in.”

While she didn’t say “XRP” outright, it was clear she was referring to Ripple’s blockchain-based payment systems. Long explained that the bank has been in recent talks with Ripple about transaction banking and stablecoin products, adding even more fuel to the idea that something big is unfolding.

Wall Street Banks Are All Moving In

And it’s not just Bank of America. Big names like JP Morgan, Citi, and State Street are all laying the groundwork for deeper blockchain involvement. JP Morgan is pushing forward with its Onyx platform, although it runs on a private network. That’s where things get interesting, private chains, many argue, just don’t have the reach or liquidity of public ones like XRP-.

Meanwhile, Citi is building digital asset custody solutions, and BNY Mellon launched an on-chain offering just weeks ago. State Street is planning crypto custody by 2026. The big players are preparing for a tokenized future.

Regulations Are No Longer Holding Back Big Banks

In the past months, the U.S. government has quietly cleared the runway for banks to enter crypto. With SAB 121 rolled back and the OCC, FDIC, and Fed easing restrictions, traditional banks suddenly have the green light. That shift hasn’t gone unnoticed.

Former CFTC Chair Chris Giancarlo even said that banks now face pressure to act, or risk falling behind. He compared the change to digital photography wiping out Kodak. In the same way, stablecoins and crypto rails could soon replace the outdated correspondent banking model.

Could XRP Be at the Heart of This Transformation?

Here’s where the XRP rumors kick in. Some reports, though unconfirmed, suggest that Bank of America was using XRP internally for two years before regulatory issues paused the process. Ripple has never confirmed this, but it’s known that the bank plans to use Ripple’s On-Demand Liquidity once the legal dust settles.

All signs point to XRP being part of a much bigger institutional strategy. From longtime partnerships to behind-the-scenes testing, Ripple’s tech seems to be ready for prime time. And with the floodgates opening, according to Monica Long, more banks could be next.

With Ripple’s infrastructure maturing and U.S. regulations easing up, it feels like this might just be the beginning of a much larger wave of adoption.

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